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Home Loan Interest Rates & Fees Across Banks and NBFCs - 2026

Updated on 3-7-2025 Written by Ramandeep Sadana, Credit Expert with over 10 years of experience

Find the best rates only with Ambak. Looking for the best home loan interest rates in 2025? Here’s a complete list of current home loan rates and processing fees offered by leading banks and housing finance companies in India. This table helps you easily compare loan offers across HDFC,

13 Banks Found

Filters
State Bank of IndiaState Bank of India
40 Yrs

Loan Amount

₹5 L–₹30 Cr

ROI

7.25%

EMI/Lakh

₹791/mo

LTV up to 90%
Processing FeesRs.15,000 + GST
Legal & Technical FeeRs.6,321 (loan amount < 1 Cr); Rs.14,190 (loan amount > 1 Cr)
E-Stamp ChargesOn Actuals
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.118
View Details
Punjab National BankPunjab National Bank

Loan Amount

₹5 L–₹30 Cr

ROI

7.25%

EMI/Lakh

₹791/mo

LTV up to 90%
Processing FeesNull if Digital process ; 2,500 if Physical process
Login Feeno login fee
Legal & Technical FeeRs. 15,000
E-Stamp ChargesRs. 1,000 - 1,200 + GST
Due Diligence ChargesNo due diligence charges
CERSAI ChargesRs. 118
MODT Charges0.30% + GST
NOI ChargesRs. 15,000 + GST
View Details
HDFC BankHDFC Bank
30 Yrs

Loan Amount

₹5 L–₹30 Cr

ROI

7.2%

EMI/Lakh

₹788/mo

LTV up to 90%
Processing Fees0.25% of loan amt. + GST (incld. Login Fee)
Login Fee2,000 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeRs.3,500 - 4,000 + GST (Waived-off for APF Approved Properties)
E-Stamp ChargesRs.2,000 - 2,500 + GST
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.100 + GST
View Details
ICICI BankICICI Bank
30 Yrs

Loan Amount

₹20 L–₹30 Cr

ROI

7.5%

EMI/Lakh

₹806/mo

LTV up to 90%
Processing Fees5,000 + GST
Login Fee1,000 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeRs.2,500 + GST
E-Stamp ChargesRs.2,000 - 2,500 + GST
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs. 118
View Details
Bajaj Housing FinanceBajaj Housing Finance
35 Yrs

Loan Amount

₹5 L–₹30 Cr

ROI

7.2%

EMI/Lakh

₹788/mo

LTV up to 90%
Processing FeesRs.10,000 + GST
Login FeeRs. 1,499
Account Handling ChargesNo Account Handling Charges
Legal & Technical Feenull
E-Stamp ChargesRs.200
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.118
View Details
UCO BankUCO Bank

Loan Amount

₹5 L–₹30 Cr

ROI

7.15%

EMI/Lakh

₹785/mo

LTV up to 90%
Processing FeesRs. 15,000 + GST
View Details
IDFC First BankIDFC First Bank
40 Yrs

Loan Amount

₹20 L–₹30 Cr

ROI

7.8%

EMI/Lakh

₹825/mo

LTV up to 90%
Processing FeesBelow Rs.1 Cr: 1%; Rs.1-3 Cr: 0.75%; Rs.3-5 Cr: 0.65%; Rs.5Cr Above: 0.5% of loan amt + GST
Login Fee3,000 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical Feenull
E-Stamp ChargesRs.2,000 - 2,500 + GST
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.100 + GST
View Details
Kotak BankKotak Bank
30 Yrs

Loan Amount

₹20 L–₹30 Cr

ROI

7.7%

EMI/Lakh

₹818/mo

LTV up to 90%
Processing Fees0.30%(below 50 lacs), 10000+gst(above 50 lacs)
Login FeeRs.2,000 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical Feenull
E-Stamp Chargesnull
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.100 + GST
View Details
PNB Housing FinancePNB Housing Finance
30 Yrs

Loan Amount

₹20 L–₹30 Cr

ROI

8.1%

EMI/Lakh

₹843/mo

LTV up to 90%
Processing FeesRs.7,000 + GST ( Amount <50 Lac), Rs.10,000 + GST ( Amount >50 Lac)
Login FeeRs. 589 + GST
Account Handling ChargesNo Account Handling Charges
Legal & Technical FeeRs.4,180
E-Stamp ChargesRs.2,000 - 2,500 + GST
Due Diligence ChargesNo Due Diligence Charges
CERSAI ChargesRs.118
Easy Home FinanceEasy Home Finance
40 Yrs

Loan Amount

₹5 L–₹50 L

ROI

10.5%

EMI/Lakh

₹999/mo

LTV up to 85%
Processing FeesRs.10,000 + GST
E-Stamp ChargesOn Actuals
Due Diligence ChargesNo Due Diligence Charges
View Details
Bank of IndiaBank of India

Loan Amount

₹5 L–₹30 Cr

ROI

7.1%

EMI/Lakh

₹782/mo

LTV up to 90%
Processing FeesRs. 15,000 + GST
View Details
Canara BankCanara Bank

Loan Amount

₹5 L–₹30 Cr

ROI

7.15%

EMI/Lakh

₹785/mo

LTV up to 90%
Processing FeesRs. 15,000 + GST
View Details

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Types of Home Loans

The key to your dream home awaits!.

Home Construction Loan

Specifically designed for building a new house. Loan disbursements are made in phases, matching the progress of the construction.

Home Renovation/Improvement Loan

This loan covers the costs associated with renovating or improving an existing home. Interest rates are generally the same as those for a standard home loan.

Home Extension Loan

Ideal for homeowners looking to extend or add more space to their current home. Lenders usually finance 75% to 90% of the construction costs, depending on the loan amount and LTV ratio.

Bridge Loan

A short-term loan designed for individuals planning to purchase a new home with the proceeds from selling their current property.

Frequently Asked Questions

Q. Which bank offers the lowest home loan interest rate?
Ans: Interest rates vary by lender and borrower profile. Use the 'Lowest Rate' sort to see banks ranked by their minimum interest rate. Rates typically range from 8.5% to 12% p.a.
Q. What is LTV ratio and why does it matter?
Ans: LTV (Loan-to-Value) ratio is the percentage of the property value a bank will fund as a loan. A higher LTV means you need a smaller down payment. Most banks offer 75%–90% LTV.
Q. How is EMI per lakh calculated?
Ans: EMI per lakh is the monthly payment for every ₹1 lakh borrowed at a given rate and tenure. A lower EMI per lakh means lower monthly payments for the same loan amount.
Q. Can I get a home loan with a low CIBIL score?
Ans: Most banks require a CIBIL score of 700+. Some NBFCs and HFCs may approve loans for scores between 650–700, albeit at higher rates. Improving your score before applying is advisable.

Lower interest rates than your pre-approved offer?

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